2022 BENEFITS
OPEN ENROLLMENT GUIDE
Universal Orlando Resort
For Full-Time/Regular Team Members
SCOT LAFERTÉ
SENIOR VICE PRESIDENT, HUMAN RESOURCES
UNIVERSAL ORLANDO RESORT
Dear fellow Team Member,
I hope you and your families are safe and well, and that you are taking the necessary steps to stay that way.
At Universal, our Team Members create a legacy of unforgettable experiences every day for our guests. It is
you who bring our amazing experiences to life. We realize and respect that our Team Members are critical to
our success, and as such, we strive to oer an inclusive environment where our Team Members are proud to
work. In addition to providing an extraordinary place to work, we are committed to oering comprehensive
benefits that meet the diverse needs of our workforce.
We continually review our health programs to ensure they provide the right level of support, are competitive,
and are cost eective. It is important for you to review this enrollment guide as it highlights key details of the
available plans and oers tools to help validate that you are selecting the best health plans for you and your
family. Be sure to familiarize yourself with the changes this year, so you know what to expect.
I realize and respect this has been a challenging time for so many and encourage you to please continue
to focus on your health and well-being. Take the time to make yourself and your family a priority.
Thank you for being a part of the Universal family!
Scot
What’s Changing .................................................................4
How to Enroll ......................................................................... 5
What Happens If You Don’t Enroll ..............................6
Your Benefits Enrollment Options ...............................6
• Medical ................................................................................. 7
• Dental ...................................................................................9
• Vision ..................................................................................10
TABLE OF CONTENTS
• Dependent Care Flexible Spending Account ..... 11
• Short-Term and Long-Term Disability .................... 11
• Life and Accidental Death & Dismemberment
(AD&D) Insurance ........................................................... 11
Benefits for Real Life ....................................................... 12
Cost of Coverage ............................................................... 14
Annual Notifications ........................................................ 15
2
Open Enrollment is
Nov. 4–19, 2021
As we reflect on all we have accomplished together in 2021, we are inspired by the
dedication of our Team Members and how you have gone above and beyond to
help Universal Orlando reopen its gates and get back to the business of making
memories. Looking ahead, we see a bright future, full of amazing memories — for
our Team Members and our guests. And you can feel confident knowing that your
Universal Orlando benefits will continue to support the things that matter most to
you — the health and well-being of you and your family.
As we approach our 2022 Open Enrollment, we want to remind you that this is
your opportunity to take a fresh look at the benefits you have today and determine
if they are meeting your current needs. More importantly, it’s an opportunity to
take a careful look at all your options and consider which benefits will best meet
your anticipated needs for 2022.
Read this guide to understand your options and how to enroll.
3
WHAT’S CHANGING FOR 2022
LIFE INSURANCE
Prudential will replace Cigna as the new life
insurance administrator on January 1, 2022.
Enhanced Dependent Life Insurance
Options
You will now have the flexibility to make separate
coverage elections for your spouse/domestic
partner and eligible children up to age 26.
Your current Dependent Life Insurance coverage
will not automatically roll over for all options:
• If you are enrolled in the $10,000 coverage option
for Dependent Life Insurance, you must enroll to
keep this coverage. It will not roll over to 2022.
All other options will default to your current
coverage since we have your spouse on file for
$20,000–$50,000 coverage options.
• Evidence of Insurability (EOI) will be required
if you are enrolling your spouse/domestic partner
for coverage of $20,000 or more.
• You must enroll if you want Child Life Insurance.
Each dependent child may be covered with a
benefit option of $10,000.
LONG-TERM DISABILITY (LTD)
MetLife will replace New York Life as the LTD
administrator on January 1, 2022.
BENEFITS ELIGIBILITY
Eligibility for coverage is expanding to include all
domestic partners and civil union arrangements for
the following benefits in all 50 states:
• Medical, Dental and Vision
• Life and AD&D Insurance
• Flexible Spending Account (must be a tax-eligible
dependent for expense reimbursement)
• Employee Assistance Program
• Business Travel Accident
In addition, eligibility for child life insurance is being
expanded to age 26.
MEDICAL
While you will continue to have access to robust
medical benefits, there are a few changes for 2022:
• New deductibles for the Cigna OA Plan: Annual
deductibles will increase to:
— In-Network: $450/person and $1,350/family
— Out-of-Network: $750/person and $2,250/family
• New emergency room copays: There will be a $25
copay increase for emergency room visits:
— Cigna LocalPlus IN Plan: $175 to $200
— Cigna OA and Cigna OA Plus In-Network Plans:
$150 to $175
• Cigna’s nurse advocates will provide care
management, when needed, to bring together
the right resources and people to meet your needs.
Money-Saving Pharmacy Enhancements
For Cigna medical participants:
• Participating in the SaveOnSP Program reduces
your cost to $0 for specialty drugs. If you do not
enroll in the SaveOnSP Program for your eligible
specialty drugs, your cost will be 30% of the cost
of the medication. You must also use Exclusive
Home Delivery through Accredo for specialty
drugs (exceptions will be made for HIV specialty
medications and prescriptions filled at TeamCare)
If you currently use a specialty drug, you’ll receive
a letter later this year with instructions on how
to enroll.
• The Patient Assurance Program can help you
manage chronic diabetes and reduce your cost
for insulin by helping you ensure that you are
taking the medication as prescribed.
2022 Benefits
You may have access to more benefits than we
cover in this guide, like tuition reimbursement
and adoption assistance. Go to UOBenefits.com
to see what you’re eligible for.
4
After you enroll,
you may need to:
• Verify your
dependents: If you’re
covering a dependent
for the first time, you
will need to submit
documentation
proving your dependent
meets the eligibility
requirements. You’ll
receive instructions in
the mail after you enroll.
• Review and update
your beneficiaries:
Your beneficiary
is the person who
receives your Life and/
or Accidental Death
& Dismemberment
(AD&D) benefit if you
pass away, so you’ll
want to make sure the
benefit goes to the
person(s) you would
like to receive the money.
• Submit the Evidence
of Insurability form:
Only required if you
increase Supplemental
Life Insurance coverage
or are enrolling yourself
or a dependent for the
first time.
HOW TO ENROLL
ENTER THE ONLINE UNIVERSE OF BENEFITS
Enrolling is easy. You can find benefits
information and enroll through the
myBenefits site — access it on any
device from anywhere.
If this is your first time
visiting the site since
UOBenefits became
myBenefits in August, you
have to complete a one-time
registration to create new
credentials. Do not enter your
email address on this screen.
Instead, click the Create an
account link and follow the
instructions.
Once you have created your
account, sign in with your new
password. Be sure you have
access to your phone and
email — you may be prompted
to enter security codes from
one or both sources to verify
your login.
1. Log in to UOBenefits.com 2. Click the Get Started
button on the purple box on
the homepage to go to the
Open Enrollment page.
3. Use the resources to make
sure you understand your
options and what’s changing
for 2022 before you enroll.
4. Click the Enroll Now
button to begin the enrollment
process. Use the Help Me
Choose tool for guidance on
the options based on your
personalized information.
Need help?
Use the chat for virtual
assistance or to
connect with a benefits
representative. You can
also call the Benefits
Service Center at
844-405-2085, M–F,
9 a.m. to 7 p.m., ET.
5
Your Benefits
Enrollment Options
You can enroll or make changes to the following benefits
during Open Enrollment:
• Medical
• Dental
• Vision
• Dependent Care Flexible Spending Account*
• Supplemental Life and AD&D Insurance for you
• Dependent Life and AD&D Insurance for your spouse/
domestic partner and/or your children
• Short-Term Disability
ELIGIBILITY
You: You are eligible for the benefits described in this guide
as long as you are a Regular (Full-time) Team Member.
If your employment status changes, you’ll have dierent
benefit options.
Your dependents: In general, your spouse/domestic partner
and children up to age 26 are eligible for coverage. For the
vision plan, unmarried dependent children living in Florida
can be covered until age 30. For full details of eligibility of
dependents, go to UOBenefits.com.
WHAT HAPPENS
IF YOU DON’T
ENROLL
If you don’t take any action, most
of your 2021 benefit coverage will
continue through 2022. However,
you won’t be able to contribute
to a Dependent Care FSA in 2022.
In addition, not all Dependent
Life Insurance will continue
(see page 11), but you can make
changes to your life insurance
elections at any time.
You won’t be able to change most
of your benefits elections until the
next Open Enrollment, unless you
have a qualifying life event, such
as marriage, divorce, or the birth
or adoption of a child.
Introducing Help Me Choose
Making enrollment decisions
will be a bit easier this year with
the introduction of the Help Me
Choose tool. (Goodbye, Alex.)
This tool is built into the
enrollment process and can help
you decide which benefit plans
make the most sense for you
and your family. Just answer
a few questions and receive
a recommendation based on
your preferences.
AUTOMATIC BENEFITS
Universal Orlando pays the full cost of
some of your benefits. You’re automatically enrolled in
these benefits — no action required.
• Basic Life Insurance (1x your annual salary), Basic
Accidental Death & Dismemberment (1x your annual salary)
• Long-Term Disability
• Travel Accident Insurance, and
• Employee Assistance & Work/Life Programs
* Certain Team Members, including City Walk Team Members
and individuals classified as highly compensated
employees, are not eligible to participate in the
Dependent Care Flexible Spending Account.
6
MEDICAL
You have three medical plan options through Cigna that oer comprehensive coverage, including free
in-network preventive care. Only the Cigna Open Access Plus plan oers out-of-network coverage. If you
enroll in one of the other plans and choose to see an out-of-network provider, you are responsible for the
full cost of your care unless you have a true emergency.
Cigna
LocalPlus IN
Cigna OA Plus
In-Network
Cigna Open Access Plus
In-Network Out-of-Network
Cost Per Paycheck
$
$
$
$
$
$
Deductible No deductible No deductible $450/$1,350 $750/$2,250
Physician Network
Cigna
LocalPlus
Open Access
Plus, OA Plus,
Choice Fund OA
Plus (must stay
in-network)
Open Access
Plus, OA Plus,
Choice Fund
OA Plus
N/A
Doctor On Demand $0 $0 $0 N/A
Preventive Care Visits $0 $0 $0 40%
TeamCare Visits $10 $10 $10 N/A
Primary Care Physician Oce Visit $20 $20 $25 40%
Specialist Oce Visit $45 $40 $50 40%
Convenience Clinic $20 $20 $25 $25
Urgent Care $55 $40 $40 $40
Emergency Room $200 $175 $175 $175
Diagnostic Test (e.g., X-rays, lab work)
• Preferred Lab (e.g., Quest, LabCorp,
TeamCare, physician’s oce)
$0 $0 $0 N/A
• Nonpreferred (outpatient facility) $50 $50 $50 40%
MRIs/MRAs/PET & CAT Scans
10% 40%• Cost-Ecient Locations* $125 $125
• Outpatient $275 $275
Outpatient Surgical Services
10% 40% • Cost-Ecient Locations* $125 $125
• Outpatient $250 $250
Inpatient Hospital
• Facility
$250/day
(5-day max)
$200/day
(5-day max)
10% 40%
• Surgeon’s Fee $0 $0 $0 40%
Annual Out-of-Pocket Maximum $4,700/$9,000 $4,700/$9,000 $4,700/$9,000 $6,000/$12,000
* Refer to myCigna.com website for a listing of cost-ecient locations or call Cigna Member Services at 800-244-6224.
Go to UOBenefits.com and select Medical from the Health & Wellness section to see other covered services.
If there is a dollar amount, you pay the fixed cost when you receive care. The deductible does not apply.
If there is a percentage, you are responsible for the full cost until you meet your deductible. After you
meet the deductible, you pay the listed percentage of the cost (until you reach the annual out-of-pocket
maximum), and the plan pays the rest.
7
The TeamCare facility is an excellent resource for
a wide range of medical care, including:
• Preventive care, such as health screenings,
annual checkups and physicals
• Routine checkups
• Immunizations
• General health issues
• Chronic illness, such as diabetes,
heart disease, thyroid issues, hypertension
and asthma
Medical
Available Monday–Friday
$10 per service
Pharmacy
Available Monday–Friday
$5 copay for generics and reduced copays
for brand-name drugs
PRESCRIPTION DRUGS
If you enroll in a Universal Orlando medical plan, you automatically receive prescription drug benefits.
Walgreens
Located In TeamCare
In-Network
Pharmacies
2
Out-of-Network Pharmacies
Cigna Open Access Plus Plan Only
Generic $5 $15
40%
No maximum
Brand-Name Preferred
1
$20 + 10%
Max per Rx: $70
$30 + 15%
Max per Rx: $85
40%
No maximum
Brand-Name
Non-Preferred
1
$35 + 10%
Max per Rx: $85
$50 + 15%
Max per Rx: $100
40%
No maximum
Specialty Drugs:
On SaveOnSP List
• Enrolled in SaveOnSP
• Not enrolled in SaveOnSP
$0
30% coinsurance
$0 through Accredo
30% coinsurance
Not covered
Not covered
Specialty Drugs:
Not on SaveOnSP List $0 Above tier
pricing applies
Above tier
pricing applies
1
Important: If you request a brand-name drug when a generic is available, you are responsible for the cost dierence as well as the cost
of the generic. Be sure to ask your doctor about cost-eective options for your medications.
2
Specialty drugs must be filled through Accredo.
TEAMCARE MEDICAL AND PHARMACY SERVICES
TeamCare — our on-site medical and pharmacy facility located in B-2 (next to Gate 2) — provides
quality, convenient and cost-eective services to members of the Universal Orlando family. The sta
at AdventHealth Medical Group and Walgreens are committed to providing compassionate service,
maintaining strict confidentiality and continually seeking ways to improve our Team Members’ health.
Get convenient virtual care
You can connect with a board-certified, U.S.-based
physician over video chat, 24/7, 365 days a year.
Participants in a Cigna medical plan can get virtual
care at no cost through Doctor On Demand. If you
are not enrolled in a UO medical plan, you can use
Doctor On Demand for a fee. Get more details
at UOBenefits.com.
8
DENTAL
Universal Orlando oers two dental plan options through Cigna: Preferred and Premier. Both plans provide
free preventive care when you use an in-network provider.
After you pay the annual deductible, the plan starts paying non-preventive care benefits.
Services
Preferred Premier
In-Network Out-of-Network In-Network Out-of-Network
Deductible
• Individual $25 $100 $25 $50
• Family $75 $300 $75 $150
Preventive & Diagnostic Care
Plan pays 100%
(no deductible)
Plan pays 70%
(no deductible)
Plan pays 100%
(no deductible)
Plan pays 80%
(no deductible)
Basic Restorative Care Plan pays 80% Plan pays 60% Plan pays 80% Plan pays 70%
Major Restorative Care Plan pays 50% Plan pays 40% Plan pays 50% Plan pays 50%
Orthodontia
1
(coverage for eligible children
up to age 19)
Plan pays 50%
(no deductible)
Plan pays 50%
(no deductible)
Plan pays 50%
(no deductible)
Plan pays 50%
(no deductible)
Orthodontia Lifetime Maximum $750 $750 $1,000 $1,000
Annual Plan Maximum
2
(per participant)
• Base (no WellnessPlus Credit) $1,000 $750 $1,600 $1,400
• WellnessPlus First Year
Participant
$1,150 $850 $1,800 $1,550
• WellnessPlus Second+
Year Participant
$1,300 $950 $2,000 $1,700
1
There is a one-year waiting period for new enrollees.
2
The Annual Plan Maximum includes both in-network and out-of-network benefits.
Earn the WellnessPlus Benefit
You’ll get more than just a great smile when you get preventive dental care. Every year you get preventive care,
you earn a higher annual maximum benefit for the following plan year. This means the plan will cover more
services if you re-enroll for dental coverage.
• If you received preventive care during the 2021 plan year, your Annual Plan Maximum for in-network
services will increase by $150 (Preferred) or $200 (Premier) for 2022.
• If you received preventive care during the 2020 AND 2021 plan years, your Annual Plan Maximum for
in-network services will increase by $300 (Preferred) or $400 (Premier) for 2022.
Make sure you get preventive care between January 1 and December 31, 2022, to earn the WellnessPlus
credit for 2023.
Get convenient virtual care
You can connect with a board-certified, U.S.-based
physician over video chat, 24/7, 365 days a year.
Participants in a Cigna medical plan can get virtual
care at no cost through Doctor On Demand. If you
are not enrolled in a UO medical plan, you can use
Doctor On Demand for a fee. Get more details
at UOBenefits.com.
9
VISION
The vision plan, administered by VSP, covers eye exams, lenses and frames. You may visit in-network
or out-of-network providers, but you’ll save when you see a provider in the VSP Choice network.
When you use the plan, you will either pay a copay (a fixed amount), or you will have an allowance
(the maximum amount the plan will pay and you will be responsible for any cost over the allowance).
Plan Feature In-Network Out-of-Network
Vision Exam
(once every calendar year)
$5 copay You pay the cost over $45
Frames
(once every other calendar year)
$150
1
allowance, plus 20% discount
on out-of-pocket cost
You pay the cost over $70
Lenses
(once every calendar year)
• $20 copay for single
vision, lined bifocal
and lined trifocal lenses
• $30 allowance for
light-reactive
(photochromic) lenses
• 20-25% discount on
other lens options
(anti-reflective coating,
scratch coating, etc.)
You pay the cost over:
• $40 for Single
• $60 for Bifocal
• $80 for Trifocal
• $125 for Lenticular
Contact Lenses
(once every calendar year
instead of glasses)
$150 allowance for contacts
and contact lens exam; plus a
15% discount on contact
lens fitting exams
You pay the cost over $150
Laser Vision Correction
15% average discount on retail or
5% discount on promotional price
N/A
1
Frame allowance for featured brands and at Visionworks locations is $200. Frame allowance at Costco, Walmart and Sam’s Club is $80.
10
DEPENDENT CARE FLEXIBLE
SPENDING ACCOUNT
The Dependent Care Flexible Spending Account allows eligible Team Members to
pay for child/elder care assistance with pre-tax dollars. You can contribute up to
$5,000 per household and potentially save money on federal income taxes. The
$5,000 contribution maximum is an IRS limit for a calendar year.
Plan carefully! The money doesn’t roll over from year to year.
Go to UOBenefits.com to see if you are eligible to participate.
SHORT-TERM AND LONG-TERM
DISABILITY
You may purchase Short-Term Disability. This coverage provides benefits if you
are unable to work due to a non-work-related illness/injury if deemed disabled for
a period of more than seven consecutive days. This benefit equals 66.6% of your
average income (over the prior 26 weeks) not to exceed $1,500 per week for up
to 26 weeks of disability.
You automatically receive Long-Term Disability, and Universal Orlando pays the
full cost of your coverage.
LIFE AND ACCIDENTAL DEATH &
DISMEMBERMENT (AD&D) INSURANCE
Universal Orlando automatically provides you with Basic Life and AD&D insurance.
If you want additional coverage, you can enroll in supplemental coverage for
yourself and/or coverage for your dependents.
SUPPLEMENTAL LIFE INSURANCE*
You may purchase Supplemental Life Insurance in increments equal to one, two,
three, four, or five times your annual salary.
DEPENDENT LIFE INSURANCE*
For 2022, there are separate coverage elections for your spouse/domestic partner
and eligible children up to age 26.
• Spouse/domestic partner life coverage options: $10,000, $20,000, $30,000,
$40,000 or $50,000.
• Child life coverage option: $10,000
SUPPLEMENTAL ACCIDENTAL DEATH AND DISMEMBERMENT
You may purchase Supplemental AD&D Insurance in increments of $25,000,
up to a maximum of $250,000.
* You may be required to provide evidence of insurability if you are increasing your coverage amount
or electing coverage for the first time when you previously declined coverage. There is a reduction to
the benefit amount based upon reaching specific ages. Refer to the Universal Orlando Summary Plan
Description and certificate booklets for additional information.
11
COVID-19 resources
As COVID-19 continues to impact Team Members, we want
to make sure you are aware of our benefits and resources
available to support you and your family:
• COVID-19 vaccines are covered by the medical plans
• Doctor On Demand provides virtual medical and mental
healthcare
• Information and resources are available on UOTeam.com.
Try a virtual visit for safe, convenient care
Talk to a doctor through video chat. It’s free if you are enrolled
in one of the UO full-time medical plans. If you are not enrolled
in a UO medical plan, you can use the service for a fee.
Doctor On Demand oers 24/7 video visits from a smartphone,
tablet or computer. Doctors can recommend treatment and
prescribe medication and lab work. They treat many common
conditions, including:
• Colds and the flu
• Sinus infections
Go to doctorondemand.com/universalorlando or the Doctor
On Demand app to access care.
Build healthy habits (with some help)
Get your health habits in gear or keep up your momentum with
support from the Get Healthy! Wellness Program. The program
oers free resources that focus on all areas of health — from
preventive care to weight management to smoking cessation.
Go to UOBenefits.com and select the Get Healthy! Wellness
Program link from the Health & Wellness section.
Confused by the healthcare system? Meet our
Healthcare Advocate
We get it — healthcare is complicated! That’s why we oer a
Healthcare Advocate — a free, confidential resource who knows
the Universal Orlando medical plans and how to coordinate
with doctors and insurers.
Call 407-224-5917 (M–F, 8 a.m. to 5 p.m., ET) or email
healthcare.advocate@universalorlando.com to:
• Find high-quality doctors, specialists and facilities
• Schedule tests and appointments
• Identify resources to help with specific conditions
• Understand your healthcare costs and how to minimize them
• And more
Benefits for
Your Life
Benefits are there to
protect us when we
face life’s expected and
unexpected moments.
Here are a few ways
your benefits can
support you.
FOR YOUR HEALTH & WELLNESS
• Rashes and skin conditions
• And more
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401(k) enhancements
Take advantage of the Roth after-tax contributions to the 401(k) Retirement Plan.
This change went into eect on July 1, 2021 and oers the potential for tax-free
withdrawals in retirement. You might want to consider Roth contributions if you:
• Expect your tax rate to be higher in the future
• Want to contribute up to an additional $10,000 on an after-tax basis each year, or
• Would like to build more tax-free retirement income by converting part of your
current 401(k) balance to Roth (You should consult a tax advisor before you
convert pre-tax money in your 401(k) to Roth since this will create a tax event
for the current year).
Be on the lookout for additional enhancements to the 401(k) Retirement Plan
in January!
You have free resources available to support your
mental and emotional well-being, find childcare and
other resources to help you manage your life. We
encourage you to seek support — we all could use
some this year.
Talk to a counselor — it’s free and confidential
The Employee Assistance and Work/Life programs
oer free, confidential, 24/7 support. You and your
family members are eligible for six face-to-face or
video chat sessions per year, per issue and unlimited
phone consultations with a licensed behavioral health
counselor. They can help with a variety of issues,
including:
• Stress
• Depression
• Anxiety
• Parenting challenges
Call 877-622-4327 or log in to mycigna.com.
Find child care
The Employee Assistance and Work/Life programs
can help you find qualified care for children
and/or dependent adults if your normal care
is unavailable. Call 877-622-4327 or log in
to mycigna.com.
Talk to a financial coach
Understanding your current financial situation
and what you should do to improve your outlook
is more important than ever. An Ayco Financial
Planning Coach can give you personalized support
at no cost to you if you are eligible for the 401(k)
Retirement Plan. Call 800-235-3428.
Save for the future with the
401(k) Retirement Plan match
Universal Orlando will match up to 100% of the
first 3% of contributions and 50% of the next 2%
of your contributions to your Universal Orlando
401(k) Retirement Plan, if you are eligible. Be sure
to contribute at least 5% of your eligible pay to get
the full match. And don’t forget ... you can now
make Roth after-tax contributions to the 401(k)
in addition to your pre-tax contributions!
Go to UOBenefits.com and select the
401(k) Retirement Plan tile to update your
contributions at any time.
Invest with discounts on stock
You can purchase Comcast Corporation Class A
common stock at a 15% discount through the
Employee Stock Purchase Plan if you are eligible.
Go to UOBenefits.com and select Employee Stock
Purchase Plan from the Financial Benefits section
for more information.
FOR YOUR FINANCES FOR YOUR LIFE
• Aging parents
• Marital advice
• Legal and financial advice
• And more
13
Universal Orlando shares the cost of coverage with you through premiums deducted from your weekly
paycheck. The cost of coverage depends on the plans you choose and who you cover.
Team Member
Only
Team Member
and Spouse/
Domestic
Partner
Team Member
and Child(ren)
Full
Family
MEDICAL
Cigna LocalPlus IN $23.73 $59.35 $48.48 $83.24
Cigna OA Plus In-Network $39.74 $100.04 $79.46 $139.91
Cigna Open Access Plus (OAP) $43.77 $109.91 $87.32 $153.64
DENTAL
Cigna Preferred (PPO) $1.12 $2.74 $2.82 $3.53
Cigna Premier (PPO) $1.76 $4.35 $4.45 $5.59
VISION
VSP Choice $0.33 $0.66 $0.74 $1.06
Cost of Coverage
LIFE INSURANCE
Weekly Rate per $1,000 of Coverage
Age
Supplemental
Coverage for You
Spouse/
Domestic Partner
Coverage
Under 24 $0.014 $0.008
25 – 29 $0.017 $0.008
30 – 34 $0.023 $0.008
35 – 39 $0.025 $0.008
40 – 44 $0.028 $0.016
45 – 49 $0.042 $0.030
50 – 54 $0.065 $0.052
55 – 59 $0.121 $0.077
60 – 64 $0.186 $0.122
65 – 69 $0.293 $0.192
70+ $0.475 $0.192
SHORT-TERM DISABILITY
$1.15
SUPPLEMENTAL AD&D INSURANCE
Benefit
Amount
Team Member & Family
$25,000 $0.17
$50,000 $0.35
$75,000 $0.52
$100,000 $0.69
$125,000 $0.87
$150,000 $1.04
$175,000 $1.21
$200,000 $1.38
$225,000 $1.56
$250,000 $1.73
CHILD LIFE INSURANCE
Child(ren): $10,000 $0.23
14
NOTICE REGARDING WELLNESS
PROGRAM
From time to time, Universal Orlando may oer
voluntary wellness programs available to all Team
Members. The programs are administered according
to federal rules permitting employer-sponsored
wellness programs that seek to improve employee
health or prevent disease, including the Americans
with Disabilities Act of 1990, the Genetic Information
Nondiscrimination Act of 2008, and the Health
Insurance Portability and Accountability Act, as
applicable, among others. You are not required to
participate in the wellness program. Employees who
choose to participate in a wellness program may
receive a reward or incentive. If you are unable to
participate in any of the health-related activities or
achieve any of the health outcomes required to earn
an incentive, you may be entitled to a reasonable
accommodation or an alternative standard by
contacting the Benefits Service Center. Information
from the wellness program will be used to provide you
with information to help you understand your current
health and potential risks, and may also be used to
oer you other services through the wellness program.
You also are encouraged to share your results or
concerns with your own doctor.
Protections from Disclosure of
Medical Information
We are required by law to maintain the privacy
and security of your personally identifiable health
information. Although the wellness program and
Universal Orlando may use aggregate information
it collects to design a program based on identified
health risks in the workplace, Universal Orlando will
never disclose any of your personal information either
publicly, except as necessary to respond to a request
from you for a reasonable accommodation needed to
participate in the wellness program, or as expressly
permitted by law. Medical information that personally
identifies you that is provided in connection with
the wellness program will not be provided to your
supervisors or managers and may never be used to
make decisions regarding your employment.
Your health information will not be sold, exchanged,
transferred, or otherwise disclosed except to
the extent permitted by law to carry out specific
activities related to the wellness program, and
you will not be asked or required to waive the
confidentiality of your health information as a
condition of participating in the wellness program
or receiving an incentive. Anyone who receives your
information for purposes of providing you services
as part of the wellness program will abide by the
same confidentiality requirements. Only certain
individuals may receive your personally identifiable
health information if needed to provide you with
services under the wellness program.
In addition, all medical information obtained through
the wellness program will be maintained separate
from your personnel records, information stored
electronically will be encrypted, and no information
you provide as part of the wellness program will
be used in making any employment decision.
Appropriate precautions will be taken to avoid any
data breach, and in the event a data breach occurs
involving information you provide in connection
with the wellness program, we will notify you
immediately.
You may not be discriminated against in
employment because of the medical information
you provide as part of participating in the wellness
program, nor may you be subjected to retaliation
if you choose not to participate.
If you have questions or concerns regarding this
notice, or about protections against discrimination
and retaliation, please contact the Benefits
Service Center.
Annual Notifications
15
NEWBORNS’ AND MOTHERS’ HEALTH
PROTECTION ACT
Coverage under UO’s medical program provides that
maternity or newborn coverage may not, under federal
law restrict benefits for any hospital length of stay in
connection with childbirth for the mother or newborn
child to less than 48 hours following a vaginal delivery,
or less than 96 hours following a cesarean section.
However, federal law does not prohibit the mother’s or
newborn’s attending provider, after consulting with the
mother, from discharging the mother or her newborn
earlier than 48 hours (or 96 hours as applicable). In
any case, healthcare plans and insurance issuers may
not, under federal law, require that a provider obtain
authorization from the plan or the insurance issuer for
prescribing a length of stay not in excess of 48 hours
(or 96 hours).
If you would like more information on maternity
benefits, call the Benefits Service Center at
844-405-2085.
NOTICE OF HIPAA SPECIAL
ENROLLMENT RIGHTS
This notice informs you of your right to enroll in a
group health plan sponsored by the Universal Orlando
Comprehensive Health & Welfare Plan (the “Plan”)
under the special enrollment provisions of the Health
Insurance Portability and Accountability Act (HIPAA).
If you are declining healthcare coverage for yourself
and your eligible dependents when you are initially
eligible or during open enrollment period because
you have other coverage and you subsequently lose
eligibility for that other coverage (or if the employer
stops contributing toward your or your dependents’
other non-COBRA coverage), then you may enroll
yourself and your eligible dependents for healthcare
benefits without waiting for the next open enrollment
period. You must request enrollment no later than 31
days after the date the previous coverage ends (or
after the employer stops contributing toward the other
non-COBRA coverage).
In addition, if you gain a new dependent as a result
of marriage, birth, adoption or placement for
adoption, you may be able to enroll yourself and your
dependents in healthcare benefits. You must complete
the enrollment process no later than 31 days after the
date of such event.
If you or your dependent is covered under a Medicaid
plan or under a state child health insurance plan
(CHIP) and your or your dependent’s coverage under
such a plan is terminated as a result of eligibility, you
will have 60 days from the date of the Medicaid or
CHIP event to request enrollment for yourself and/or
your dependents under the Plan.
If you or your dependent becomes eligible for a
state’s premium assistance program under Medicaid
or CHIP, you will have 60 days from the date of the
state determination of premium assistance to request
enrollment for yourself and/or your dependents under
the Plan. To request special enrollment or obtain more
information, contact the Benefits Service Center at
844-405-2085.
Note: The federal government has extended certain
time frames for employee benefit plans, participants,
and beneficiaries aected by the National Emergency
for the Novel Coronavirus Disease (COVID-19) outbreak.
HIPAA Special Enrollment Event time frames for the
following will be disregarded during the “Outbreak
Period:” (i) 31-day period to request special enrollment
and (ii) the 60-day period for those who lose coverage
under CHIP or Medicaid or who are eligible to receive
premium assistance under those programs. The
“Outbreak Period” is defined as March 1, 2021, until
60 days after the announced end of the National
Emergency.
NOTICE OF PRIVACY PRACTICES
FOR PROTECTED HEALTH INFORMATION
(HIPAA — HEALTH INSURANCE
PORTABILITY AND ACCOUNTABILITY ACT)
The Universal Orlando Comprehensive Health and
Welfare Plan (“Plan”) provides health benefits to
eligible employees of UO and their eligible dependents
as described in the summary plan description(s) for
the Plan. The Plan creates, receives, uses, maintains
and discloses health information about participating
employees and dependents in the course of providing
these health benefits. The Plan is required by law to
provide notice to participants of the Plan’s duties and
privacy practices with respect to covered individuals’
protected health information, and has done so by
providing to Plan participants a Notice of Privacy
Practices, which describes the ways that the Plan
uses and discloses protected health information.
To receive a copy of the Plan’s Notice of Privacy
Practices you should contact the Benefits Service
Center at 844-405-2085.
WOMEN’S HEALTH AND CANCER RIGHTS
ACT OF 1998
If you have had or are going to have a mastectomy,
you may be entitled to certain benefits under the
Women’s Health and Cancer Rights Act of 1998
(WHCRA). The Women’s Health and Cancer Right Act
requires group health plans to provide certain benefits
relating to post-mastectomy surgery. If a participant
or beneficiary receiving benefits under a medical
program in connection with a mastectomy elects breast
reconstruction, coverage will be provided in a manner
determined in consultation with the attending physician
and patient, for:
16
programs, contact your State Medicaid or CHIP oce
or dial 877-KIDS NOW or www.insurekidsnow.gov to
find out how to apply. If you qualify, ask your state if it
has a program that might help you pay the premiums
for an employer-sponsored plan.
If you or your dependents are eligible for premium
assistance under Medicaid or CHIP, as well as eligible
under your employer plan, your employer must allow
you to enroll in your employer plan if you aren’t
already enrolled. This is called a “special enrollment”
opportunity, and you must request coverage within
60 days of being determined eligible for premium
assistance. If you have questions about enrolling in your
employer plan, contact the Department of Labor at
www.askebsa.dol.gov or call 866-444-EBSA (3272).
If you live in one of the following states, you may
be eligible for assistance paying your employer health
plan premiums. The following list of states is current
as of July 31, 2021. Contact your State for more
information on eligibility:
ALABAMA — Medicaid
• Website: http://myalhipp.com/
• Phone: 855-692-5447
ALASKA — Medicaid
The AK Health Insurance Premium Payment
Program
• Website: http://myakhipp.com/
• Phone: 866-251-4861
• Email: CustomerService@MyAKHIPP.com
• Medicaid Eligibility: http://dhss.alaska.gov/dpa/
Pages/medicaid/default.aspx
ARKANSAS — Medicaid
• Website: http://myarhipp.com/
• Phone: 855-MyARHIPP (855-692-7447)
CALIFORNIA — Medicaid
• Health Insurance Premium Payment Program
(HIPP): http://dhcs.ca.gov/hipp
• Phone: 916-445-8322
COLORADO — Health First Colorado
(Colorado’s Medicaid Program) &
Child Health Plan Plus (CHP+)
• Health First Colorado Website:
https://www.healthfirstcolorado.com/
• Health First Colorado Member Contact Center:
800-221-3943/State Relay 711
• CHP+: https://www.colorado.gov/pacific/hcpf/
child-health-plan-plus
• CHP+ Customer Service: 800-359-1991/
State Relay 711
• Health Insurance Buy-In Program (HIBI):
https://www.colorado.gov/pacific/hcpf/health-
insurance-buy-program
• HIBI Customer Service: 855-692-6442
• All stages of reconstruction of the breast on which the
mastectomy was performed;
• Surgery and reconstruction of the other breast to
produce a symmetrical appearance;
• Prostheses; and
• Treatment of physical complications of mastectomy,
including lymphedema.
These benefits will be provided subject to the same
deductibles and coinsurance applicable to other
medical and surgical benefits provided under the
medical coverage you elect. For more information,
call the Benefits Service Center at 844-405-2085.
PROVIDER RIGHTS NOTICE
Certain health plans we oer allow enrollees to
designate a primary care physician (PCP). However,
please be aware that you have the right to designate
any primary care provider (PCP) who participates in
the plan’s network (and who is available to accept
you or your family members) as your PCP (including
a pediatrician). In addition, you do not need prior
authorization from UO or from any other person
(including a primary care provider) in order to
obtain access to obstetrical or gynecological care
from a healthcare professional in our network who
specializes in obstetrics or gynecology. The healthcare
professional, however, may be required to comply
with certain procedures, including obtaining prior
authorization for certain services, following a
pre-approved treatment plan, or procedures for
making referrals.
For information on how to select a primary care
provider and a list of participating healthcare
professionals who specialize in primary care,
pediatrics, obstetrics or gynecology, contact the
Benefits Service Center at 844-405-2085.
PREMIUM ASSISTANCE UNDER MEDICAID
AND THE CHILDREN’S HEALTH
INSURANCE PROGRAM (CHIP)
If you or your children are eligible for Medicaid or
CHIP and you’re eligible for health coverage from your
employer, your state may have a premium assistance
program that can help pay for coverage, using funds
from their Medicaid or CHIP programs. If you or your
children aren’t eligible for Medicaid or CHIP, you won’t
be eligible for these premium assistance programs, but
you may be able to buy individual insurance coverage
through the Health Insurance Marketplace. For more
information, visit www.healthcare.gov.
If you or your dependents are already enrolled in
Medicaid or CHIP and you live in a State listed below,
contact your State Medicaid or CHIP oce to find out
if premium assistance is available.
If you or your dependents are NOT currently enrolled
in Medicaid or CHIP, and you think you or any of
your dependents might be eligible for either of these
Continued
17
MAINE — Medicaid
• Enrollment Website: https://www.maine.gov/dhhs/
ofi/applications-forms
• Phone: 800-442-6003
• TTY: Maine relay 711
• Private Health Insurance Premium Webpage:
https://www.maine.gov/dhhs/ofi/applications-forms
• Phone: 800-977-6740
• TTY: Maine relay 711
MASSACHUSETTS — Medicaid and CHIP
• Website: https://www.mass.gov/info-details/
masshealth-premium-assistance-pa
• Phone: 800-862-4840
MINNESOTA — Medicaid
• Website: https://mn.gov/dhs/people-we-serve/
children-and-families/health-care/health-care-
programs/programs-and-services/other-insurance.jsp
• Phone: 800-657-3739
MISSOURI — Medicaid
• Website: http://www.dss.mo.gov/mhd/participants/
pages/hipp.htm
• Phone: 573-751-2005
MONTANA — Medicaid
• Website:
http://dphhs.mt.gov/MontanaHealthcarePrograms/HIPP
• Phone: 800-694-3084
NEBRASKA — Medicaid
• Website: http://www.ACCESSNebraska.ne.gov
• Phone: 855-632-7633
• Lincoln: 402-473-7000
• Omaha: 402-595-1178
NEVADA — Medicaid
• Medicaid Website: https://dhcfp.nv.gov
• Medicaid Phone: 800-992-0900
NEW HAMPSHIRE — Medicaid
• Website: https://www.dhhs.nh.gov/oii/hipp.htm
• Phone: 603-271-5218
• Toll free number for the HIPP program:
800-852-3345, ext. 5218
NEW JERSEY — Medicaid and CHIP
• Medicaid Website: http://www.state.nj.us/
humanservices/dmahs/clients/medicaid/
• Medicaid Phone: 609-631-2392
• CHIP Website:
http://www.njfamilycare.org/index.html
• CHIP Phone: 800-701-0710
FLORIDA — Medicaid
• Website: https://www.flmedicaidtplrecovery.com/
flmedicaidtplrecovery.com/hipp/index.html
• Phone: 877-357-3268
GEORGIA — Medicaid
• Website: https://medicaid.georgia.gov/
programs/third-party-liability/health-
insurance-premium-payment-program-hipp
• Phone: 678-564-1162, ext. 2131
INDIANA — Medicaid
Healthy Indiana Plan for low-income adults 19–64
• Website: http://www.in.gov/fssa/hip/
• Phone: 877-438-4479
All other Medicaid
• Website: https://www.in.gov/medicaid/
• Phone: 800-457-4584
IOWA — Medicaid
• Medicaid Website: https://dhs.iowa.gov/
ime/members
• Medicaid Phone: 800-338-8366
• Hawki Website: http://dhs.iowa.gov/Hawki
• Hawki Phone: 800-257-8563
• HIPP Website: https://dhs.iowa.gov/ime/
members/medicaid-a-to-z/hipp
• HIPP Phone: 888-346-9562
KANSAS — Medicaid
• Website: https://www.kancare.ks.gov/
• Phone: 800-792-4884
KENTUCKY — Medicaid
Kentucky Integrated Health Insurance Premium
Payment Program (KI-HIPP)
• Website: https://chfs.ky.gov/agencies/dms/
member/Pages/kihipp.aspx
• Phone: 855-459-6328
• Email: KIHIPP.PROGRAM@ky.gov
• KCHIP Website: https://kidshealth.ky.gov/
Pages/index.aspx
• Phone: 877-524-4718
• Kentucky Medicaid Website: https://chfs.ky.gov
LOUISIANA — Medicaid
• Website:
www.medicaid.la.gov or
www.ldh.la.gov/lahipp
• Phone: 888-342-6207 (Medicaid hotline) or
855-618-5488 (LaHIPP)
18
NEW YORK — Medicaid
• Website:
https://www.health.ny.gov/health_care/medicaid/
• Phone: 800-541-2831
NORTH CAROLINA — Medicaid
• Website: https://medicaid.ncdhhs.gov/
• Phone: 919-855-4100
NORTH DAKOTA — Medicaid
• Website:
http://www.nd.gov/dhs/services/medicalserv/
medicaid/
• Phone: 844-854-4825
OKLAHOMA — Medicaid and CHIP
• Website: http://www.insureoklahoma.org
• Phone: 888-365-3742
OREGON — Medicaid
• Website:
http://healthcare.oregon.gov/Pages/index.aspx
http://www.oregonhealthcare.gov/index-es.html
• Phone: 800-699-9075
PENNSYLVANIA — Medicaid
• Website: https://www.dhs.pa.gov/providers/
Providers/Pages/Medical/HIPP-Program.aspx
• Phone: 800-692-7462
RHODE ISLAND — Medicaid and CHIP
• Website: http://www.eohhs.ri.gov/
• Phone: 855-697-4347 or 401-462-0311
(Direct RIte Share Line)
SOUTH CAROLINA — Medicaid
• Website: https://www.scdhhs.gov
• Phone: 888-549-0820
SOUTH DAKOTA — Medicaid
• Website: http://dss.sd.gov
• Phone: 888-828-0059
TEXAS — Medicaid
• Website: http://gethipptexas.com/
• Phone: 800-440-0493
UTAH — Medicaid and CHIP
• Medicaid Website: https://medicaid.utah.gov/
• CHIP Website: http://health.utah.gov/chip
• Phone: 877-543-7669
VERMONT — Medicaid
• Website: http://www.greenmountaincare.org/
• Phone: 800-250-8427
VIRGINIA — Medicaid and CHIP
• Website:
https://www.coverva.org/en/famis-select
https://www.coverva.org/en/hipp
• Medicaid Phone: 800-432-5924
• CHIP Phone: 855-242-8282
WASHINGTON — Medicaid
• Website: https://www.hca.wa.gov/
• Phone: 800-562-3022
WEST VIRGINIA — Medicaid
• Website: http://mywvhipp.com/
• Toll-free phone: 855-MyWVHIPP
(855-699-8447)
WISCONSIN — Medicaid and CHIP
• Website: https://www.dhs.wisconsin.gov/
badgercareplus/p-10095.htm
• Phone: 800-362-3002
WYOMING — Medicaid
• Website: https://health.wyo.gov/healthcarefin/
medicaid/programs-and-eligibility
• Phone: 800-251-1269
To see if any other states have added a premium
assistance program since July 31, 2021, or for
more information on special enrollment rights,
contact either:
U.S. Department of Labor
Employee Benefits Security Administration
Website: www.dol.gov/agencies/ebsa
Phone: 866-444-EBSA (3272)
U.S. Department of Health and Human Services
Centers for Medicare & Medicaid Services
Website: www.cms.hhs.gov
Phone: 877-267-2323, Menu Option 4, Ext. 61565
OMB Control Number 1210-0137 (expires 1/31/2023)
AVAILABILITY OF SUMMARY HEALTH
INFORMATION
As an employee, the health benefits available to
you represent a significant component of your
compensation package. They also provide important
protection for you and your family in the case of
illness or injury.
Your plan oers a series of health coverage options.
Choosing a health coverage option is an important
decision. To help you make an informed choice, your
plan makes available a Summary of Benefits and
Coverage (SBC), which summarizes in a standard
format important information regarding covered
benefits such as exclusions, cost-sharing and
continuation of coverage so you may compare
across options.
Continued
19
Universal elements and all related indicia TM & © 2021 Universal Studios. All rights reserved.
QUESTIONS?
Call the Benefits Service Center (BSC) at 844-405-2085, M–F, 9 a.m. to 7 p.m., ET. You can also contact
providers directly:
Benefit Plan Provider Phone Number Website or Email
Medical &
Prescription Plans
Cigna Member
Services
800-244-6224 mycigna.com
TeamCare
AdventHealth
Medical Group
Walgreens
407-224-CARE UOBenefits.com
Virtual Care Doctor On Demand 800-997-6196 doctorondemand.com/universalorlando
Dental Plans Cigna 800-244-6224 mycigna.com
Vision Plans VSP (Choice network) 800-877-7195 vsp.com
Disability Plan
Leave of Absence
and Disability Service
Center (Sedgwick)
833-300-4876 mysedgwick.com/uo
Get Healthy! Cigna/UO 407-224-5166 GetHealthy@universalorlando.com
Employee Assistance
Program (EAP) Work/Life
Cigna 877-622-4327
mycigna.com
Employer ID – universal
Healthcare Advocate Cigna 407-224-5917
Healthcare.advocate@universalorlando.
com
Dependent Care Flexible
Spending Account
Cigna 800-244-6224 mycigna.com
Open Enrollment is Nov. 4–19, 2021
Enroll online at UOBenefits.com
You are receiving this notice because the Aordable Care Act requires UO to
make the SBC available to all employees. As you make your enrollment elections
for the 2022 plan year, please note that the SBC containing the coverage for which you
and your family are eligible can be found by logging on to UOBenefits.com. If you would like
to receive free of charge a hard copy of the SBC document, please contact the Benefits Service
Center at 844-405-2085.
Please keep this Open Enrollment Guide with your copy of the Universal Orlando Summary Plan Description.
If there are discrepancies between this guide and the ocial Plan Documents, the Plan Documents will win
out. Participation in any or all of the UO plans does not constitute a contract of employment, implied or
otherwise. All plans are subject to policy provisions and limitations. The information presented here is not
meant to be a complete description of our benefit plans/programs. This 2022 Benefits Guide summarizes
certain changes to UO’s benefit programs, and constitutes a Summary of Material Modifications (SMM) to
the Universal Orlando Comprehensive Health & Welfare Plan. Subject to changes described in this 2022
Benefits Guide, a complete description of these benefits in the form of SPDS for all of UO’s benefit plans
is available on UOBenefits.com.
